Save Together.
Collect Your Money.
Zero Stories.
Join trusted savings circles with your family, friends, or verified people. Collect a lump sum of up to ₦10,000,000 straight to your bank account when it’s your turn — zero interest, zero stress.
Community
Contribution, Simplified
Join trusted circles. Contribute together. Move in rhythm.
Soft life loading... no rush ✨
₦485,000,000+
Total Saved and Paid Out
45,000+
Verified Nigerian Savers
100%
Payout Delivery Record
0% Interest
No Hidden Charges
How Koloxify Works
Just 3 simple steps. No stress, no chasing people for money.
Join or Start a Circle
Choose how much you want to contribute (from ₦10,000 upwards) and pick your preferred payout date. Save with people you know or join verified circles.
Save on Contribution Day
Your contribution is saved safely and automatically on your set date. No awkward reminders, no calling people on WhatsApp, and no manual bank slips.
Collect Your Lump Sum
When your turn arrives, the full pot (up to ₦10,000,000) is paid directly into your Nigerian bank account. 100% interest-free money to fund your goals.
Why Nigerians Choose Koloxify
We took traditional Ajo and fixed everything that used to cause headache.
No More Chasing Defaulters
Forget the headache of asking people for contribution on WhatsApp. Koloxify handles automated savings and credits the turn winner directly into their bank account.
Kept in Regulated Banks
All circle money is stored safely in licensed Nigerian partner banks. Nobody can touch or run away with your contribution.
BVN Verified Members Only
Every single member must verify their Bank Verification Number (BVN) and valid government ID before joining any circle. No fake people or ghost accounts.
0% Interest Rate Forever
Loan apps charge up to 40% interest. With Koloxify, you pool your own money with others and collect a huge lump sum without paying any interest or debt.
Physical Neighborhood Agents
Prefer to deal in cash? Verified neighborhood Koloxify agents let you deposit or withdraw your money with simple receipt verification.
Build Your Trust Score
Every time you pay your turn on time, you earn trust points. This unlocks higher circles so you can raise millions for your business, rent, or school fees.
Calculate Your Payout
See how much lump-sum money you walk away with when it’s your turn.
Choose Your Numbers
On Turn #5, you receive:
0% Interest • Direct to Your Bank • Zero Stories
+₦125,000
Money kept in your pocket
150 Days
Paid straight to your bank
How Your Money is Protected
We built Koloxify so you can save with complete peace of mind.
1. BVN & ID Verification
Every single person must verify their Bank Verification Number (BVN) and government ID before they can join any circle. This makes sure every saver is real and legally accountable.
Loved by Savers Across Nigeria
See how everyday Nigerians are raising money for their businesses, rent, and projects.
“I used Koloxify to raise ₦2M to stock my boutique for December without taking any high-interest loan. When my turn arrived, the bank alert came in immediately.”
Chidinma Okoro
Boutique Owner, Yaba
Lagos Traders Circle (₦200k/mo)
“Doing Ajo with colleagues used to be stressful because of manual bank transfers and late payments. Koloxify automated the entire process. Everyone pays on time.”
Dr. Femi Adeleke
Medical Doctor, Ikeja
Hospital Staff Circle (₦100k/mo)
“The BVN verification gave me complete peace of mind. Knowing everyone in my circle is properly verified means zero stories. It’s clean, safe, and modern.”
Babatunde Shonowo
Product Designer, Lekki
Friends Circle (₦150k/mo)
Frequently Asked Questions
Clear, straight-to-the-point answers to common questions.
Start Your First Savings Circle Today
Save with people you trust, collect your lump sum when it’s your turn, and reach your financial goals with zero stress.
Scan with Your Phone
Opens the app download page directly